•Legal advice hot line using attorneys specializing in employment law - 30 minutes per month for 12 months included free of charge.

•Full prior acts coverage subject to prior knowledge.

•Duty to Defend (No seek to return of any defense costs).

•Broad definition of harassment, including sexual and non-sexual.

•Broad definition of discrimination, including all classes protected by federal, state and local law.

•Discrimination includes "adverse or differential employment action."

•Covers defense and damages from violations of the Family and Medical Leave Act.

•Wrongful terminations, including constructive discharge.

•Also covers:

•Breach of covenant of good faith and fair dealing.

•Breach of express or written employment contract.

•Retaliatory discharge and/or demotion.

•Public policy violations as a result of termination, discipline, demotion or other employment decisions.

•Retaliation or discrimination because of Workers Compensation (132A) or other Disability filings.

•Definition of Wrongful Employment Decision includes but is not limited to:

•Defamation/libel

•Infliction of emotional distress

•Mental anguish

•Humiliation

•Misrepresentation and fraud

•Any other personal injury

•False imprisonment

•Invasion of Privacy

•No downsizing exclusion.

•No bodily injury or assault and battery exclusion.

•No intentional acts, willful violations of the law, dishonesty or malicious act or omission exclusion.

•25% submit for punitive damages if insurable.

•Coverage for entity, current and former directors and officers, and shareholders.

•Coverage for employees, including but not limited to full and part time, temporary, seasonal and leased whether or not they are on an insured entity's payroll.

•Coverage for independent contractors who allege they are employees.

•Earliest trigger of coverage in the industry.

•Proactive claims handling.

•Defense attorney appointed after consultation with insured.

• Insurer may provide defense for criminal charges.

•Automatic coverage for subsidiaries more than 50% owned at policy's inception date.

•Two Way Tail - Extended Reporting Period applies if policy is cancelled or non-renewed (except for non-payment of premium) by either Insured or Underwriters and options of 12, 24 or 36 months are available for 100%, 150% or 175% respectively.